市場調査レポート

商品コード

1555043

後払い決済（BNPL）の世界市場の評価：チャネル別、企業別、利用者層別、最終用途別、地域別、機会、予測（2017年～2031年）

Buy Now Pay Later Market Assessment, By Channel, By Enterprise, By Demographic, By End-use, By Region, Opportunities and Forecast, 2017-2031F

出版日: 2024年09月13日
発行: Market Xcel - Markets and Data
ページ情報: 英文 240 Pages
納期: 3～5営業日

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全表示
概要
図表
目次

概要

サンプル依頼リストに入れる

世界の後払い決済（BNPL）の市場規模は、2023年の1,697億米ドルから2031年に6,413億6,000万米ドルに達すると予測され、2024年～2031年の予測期間にCAGRで18.08%の成長が見込まれます。消費者の機敏で適切な決済オプションへの選好が主な促進要因です。後払い決済（BNPL）市場のサービスは、すぐに支払う必要のない購入の利便性を顧客に提供し、より優れた財務的柔軟性と前払い料金からの救済を可能にします。BNPL市場のもう1つの主な成長促進要因は、eコマースの台頭です。オンラインショッピングが一般的になるにつれて、消費者はシームレスで効率的な決済方法を求めています。BNPLサービスはオンラインのチェックアウトプロセスに深く刻み込まれ、迅速でシームレスな取引を可能にしています。無利息の定期分割払いにより、BNPLプロバイダーは消費者に金銭的なピンチを感じることなく、大きな買い物をする能力を与えています。その結果、平均注文額が高くなり、顧客は高額な買い物をしやすくなるため、加盟店はリピーターを増やしています。もう1つの理由は、BNPLへのアクセシビリティとオンボーディングの容易さ、そしてAIの決済アプリケーションとの統合です。中核となるのは、ほとんどすべてのBNPLプロバイダーが、シームレスで迅速なサインアッププロセスで知られ、最小限の信用調査しか求めないことです。

BNPLは、顧客がオンラインや店舗で購入する際に、商品の代金をすぐに支払うことなく購入できる購入オプションです。この超短期融資制度は、衣料品、ガジェット、住宅設備などの消費者向け商品の購入に役立ちます。2024年4月現在、英国の成人の半数、約2,640万人がBNPLのサービスを利用したことがあります。これは2023年第1四半期の36％と比べても遜色ない数字です。

オンライン決済の普及が市場成長を後押し

過去10年の間に、オンライン決済手段は、利便性、消費者行動の変化、金融の柔軟性の向上、競争力のある金利、eコマースとのシームレスな統合、セキュリティ対策、効果的なマーケティング戦略、若い世代の選好などの変化の促進要因によって、飛躍的に成長しました。特にBNPLをはじめとするオンライン決済手段の採用が拡大し、消費者の決済や財務管理の方法が一新されつつあります。この変化は当面、金融シーンに影響を与え続けると予測されます。ここ数年のeコマースの売上は、予測期間に市場が成長するための大きな窓を開いています。

2024年8月現在、ロンドンを拠点とするFinTechのCurveは、Curve Flexと呼ばれる新しいオプションを発表しています。すでに市場に登場している他のBNPLソリューションとは異なり、Curve Flexは特定の加盟店、口座、カード、商品に限定されていません。Curve Flexは、特定の加盟店、口座、カード、商品に限定されず、1年前までさかのぼり、どの加盟店でも、どのカードでも、ほぼすべての購入代金を後払いすることができます。

消費支出の増加が市場成長を後押し

BNPLサービスプロバイダーは、消費者の消費支出の増加により、より多くの成長機会から恩恵を受け、そして直接的に成長する立場にあります。消費者支出の増加は、消費者行動の変化となり、市場を向上させます。BNPLサービスプロバイダーは、顧客を引き付け、維持するために、よりよい顧客条件と、より多くの機能を備えたユーザーエクスペリエンスを創造することによって、変化に適応するよう促されると見られます。これは、さらなる技術革新と顧客体験の向上を促します。しかし、消費者基盤の拡大は、金融機関、小売業者、eコマースプラットフォームの注目を集めています。これは、BNPLサービスプロバイダーにとって、より価値のあるパートナーシップの機会を増やすことに寄与しています。

金融機関はBNPL企業と提携することで、顧客により柔軟な決済を提供することができます。小売業者やeコマースストアは、チェックアウトの時点でBNPLを活用することで、より高い売上と、プラットフォーム上での優れたカスタマーショッピングエクスペリエンスを促進することができます。U.S. Bankによると、個人消費は米国の経済成長のもっとも大きな促進要因です。2023年7月までの3ヶ月間で、小売売上は2.4％増加しました。このことは、消費者が高額商品にお金を出す用意があることを示しています。

当レポートでは、世界の後払い決済（BNPL）市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢と見通しなどを提供しています。

市場規模の分析と予測
- 金額
市場シェア分析と予測
- チャネル別
- 企業別
- 利用者層別
- 最終用途別
- 地域別
- 市場シェア分析：企業別（金額）（上位5社とその他 - 2023年）
市場マップ分析（2023年）
- チャネル別
- 企業別
- 利用者層別
- 最終用途別
- 地域別

第6章北米の後払い決済（BNPL）市場の見通し（2017年～2031年）

市場規模の分析と予測
- 金額
市場シェア分析と予測
- チャネル別
- 企業別
- 利用者層別
- 最終用途別
- シェア：国別
各国の市場の評価
- 米国の後払い決済（BNPL）市場の見通し（2017年～2031年）
- カナダ
- メキシコ

第7章欧州の後払い決済（BNPL）市場の見通し（2017年～2031年）

ドイツ
フランス
イタリア
英国
ロシア
オランダ
スペイン
トルコ
ポーランド

第8章アジア太平洋の後払い決済（BNPL）市場の見通し（2017年～2031年）

インド
中国
日本
オーストラリア
ベトナム
韓国
インドネシア
フィリピン

第9章南米の後払い決済（BNPL）市場の見通し（2017年～2031年）

ブラジル
アルゼンチン

第10章中東・アフリカの後払い決済（BNPL）市場の見通し（2017年～2031年）

サウジアラビア
アラブ首長国連邦
南アフリカ

第11章需給分析

第12章バリューチェーン分析

第13章ポーターのファイブフォース分析

第14章 PESTLE分析

第15章金利分析

第16章市場力学

市場促進要因
市場の課題

第17章市場の動向と発展

第18章ケーススタディ

第19章競合情勢

マーケットリーダー上位5社の競合マトリクス
上位5社のSWOT分析
主要企業上位10社の情勢
- Affirm Inc.
- Block Inc. (Afterpay)
- Klarna Bank AB
- Sezzle Payments Private Limited
- PayPal Holdings Inc.
- Perpay Inc.
- Openpay S.A.
- Laybuy Group Holdings Limited
- Splitit USA Inc.
- Quadpay Inc.

第20章戦略的推奨

第21章当社について、免責事項

図表

List of Tables

Table 1. Pricing Analysis of Products from Key Players
Table 2. Competition Matrix of Top 5 Market Leaders
Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

Figure 1. Global Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 2. Global Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 3. Global Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 4. Global Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 5. Global Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 6. Global Buy Now Pay Later Market Share (%), By Region, 2017-2031F
Figure 7. North America Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 8. North America Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 9. North America Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 10. North America Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 11. North America Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 12. North America Buy Now Pay Later Market Share (%), By Country, 2017-2031F
Figure 13. United States Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 14. United States Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 15. United States Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 16. United States Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 17. United States Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 18. Canada Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 19. Canada Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 20. Canada Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 21. Canada Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 22. Canada Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 23. Mexico Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 24. Mexico Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 25. Mexico Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 26. Mexico Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 27. Mexico Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 28. Europe Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 29. Europe Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 30. Europe Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 31. Europe Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 32. Europe Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 33. Europe Buy Now Pay Later Market Share (%), By Country, 2017-2031F
Figure 34. Germany Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 35. Germany Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 36. Germany Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 37. Germany Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 38. Germany Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 39. France Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 40. France Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 41. France Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 42. France Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 43. France Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 44. Italy Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 45. Italy Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 46. Italy Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 47. Italy Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 48. Italy Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 49. United Kingdom Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 50. United Kingdom Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 51. United Kingdom Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 52. United Kingdom Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 53. United Kingdom Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 54. Russia Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 55. Russia Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 56. Russia Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 57. Russia Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 58. Russia Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 59. Netherlands Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 60. Netherlands Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 61. Netherlands Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 62. Netherlands Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 63. Netherlands Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 64. Spain Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 65. Spain Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 66. Spain Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 67. Spain Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 68. Spain Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 69. Turkey Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 70. Turkey Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 71. Turkey Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 72. Turkey Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 73. Turkey Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 74. Poland Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 75. Poland Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 76. Poland Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 77. Poland Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 78. Poland Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 79. South America Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 80. South America Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 81. South America Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 82. South America Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 83. South America Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 84. South America Buy Now Pay Later Market Share (%), By Country, 2017-2031F
Figure 85. Brazil Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 86. Brazil Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 87. Brazil Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 88. Brazil Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 89. Brazil Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 90. Argentina Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 91. Argentina Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 92. Argentina Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 93. Argentina Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 94. Argentina Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 95. Asia-Pacific Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 96. Asia-Pacific Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 97. Asia-Pacific Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 98. Asia-Pacific Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 99. Asia-Pacific Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 100. Asia-Pacific Buy Now Pay Later Market Share (%), By Country, 2017-2031F
Figure 101. India Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 102. India Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 103. India Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 104. India Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 105. India Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 106. China Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 107. China Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 108. China Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 109. China Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 110. China Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 111. Japan Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 112. Japan Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 113. Japan Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 114. Japan Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 115. Japan Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 116. Australia Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 117. Australia Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 118. Australia Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 119. Australia Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 120. Australia Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 121. Vietnam Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 122. Vietnam Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 123. Vietnam Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 124. Vietnam Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 125. Vietnam Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 126. South Korea Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 127. South Korea Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 128. South Korea Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 129. South Korea Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 130. South Korea Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 131. Indonesia Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 132. Indonesia Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 133. Indonesia Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 134. Indonesia Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 135. Indonesia Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 136. Philippines Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 137. Philippines Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 138. Philippines Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 139. Philippines Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 140. Philippines Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 141. Middle East & Africa Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 142. Middle East & Africa Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 143. Middle East & Africa Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 144. Middle East & Africa Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 145. Middle East & Africa Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 146. Middle East & Africa Buy Now Pay Later Market Share (%), By Country, 2017-2031F
Figure 147. Saudi Arabia Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 148. Saudi Arabia Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 149. Saudi Arabia Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 150. Saudi Arabia Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 151. Saudi Arabia Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 152. UAE Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 153. UAE Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 154. UAE Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 155. UAE Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 156. UAE Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 157. South Africa Buy Now Pay Later Market, By Value, In USD Billion, 2017-2031F
Figure 158. South Africa Buy Now Pay Later Market Share (%), By Channel, 2017-2031F
Figure 159. South Africa Buy Now Pay Later Market Share (%), By Enterprise, 2017-2031F
Figure 160. South Africa Buy Now Pay Later Market Share (%), By Demographic, 2017-2031F
Figure 161. South Africa Buy Now Pay Later Market Share (%), By End-use, 2017-2031F
Figure 162. By Channel Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 163. By Enterprise Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 164. By Demographic Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 165. By End-use Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 166. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2023

Product Code: MX11880

Global buy now pay later market is projected to witness a CAGR of 18.08% during the forecast period 2024-2031, growing from USD 169.70 billion in 2023 to USD 641.36 billion in 2031. The consumer's preference for agile and suitable payment options is the main driver. Buy now pay later market (BNPL) services provide customers with the convenience of making purchases without an immediate need to pay, allowing them better financial flexibility and relief from upfront charges. Another key factor driving growth in the BNPL market includes the rise of e-commerce. With online shopping becoming the norm, consumers are looking for seamless and efficient ways of making payments. BNPL services are carved deep into online checkout processes, making for quick and seamless transactions. With payments splitting into interest-free periodic installments, BNPL providers grant consumers the ability to make larger purchases without feeling a financial pinch. This has led to high average order values, and merchants repeat business as customers are more comfortable making big-ticket purchases. Another reason is accessibility and ease of onboarding into BNPL and the integration of AI with payment applications. At the core, almost all BNPL providers are known for their seamless and quick sign-up processes, requiring minimal credit checks.

BNPL is the buying option under which customers are allowed to make online and in-store purchases without paying for item(s) immediately. This very short-term financing, buy now, pay later scheme helps people to purchase clothes, gadgets, home enhancement supplies, or other consumer deals. As of April 2024, half of the United Kingdom adults, which is about 26.4 million people, have used services offered by BNPL at some point. This compares with 36 percent in the first quarter of 2023.

Surge in Online Payment Method Adoption Fuels Market Growth

Within the last decade, online payment methods have grown drastically due to drivers of change, including convenience, altering consumer behavior, better financial flexibility, competitive interest rates, and seamless integration with e-commerce, security measures, effective marketing strategies, and preferences of young generations. Greater adoption of online payment methods, BNPL in particular, is redesigning how consumers make payments and manage finances. This change can be expected to continue influencing the financial scene in the foreseeable future. E-commerce sales in the past few years have opened a substantial window of opportunity for the market to grow during the forecast period.

As of August 2024, London-based FinTech Curve has launched a new option called Curve Flex. Unlike several other BNPL solutions already hitting the market, Curve Flex isn't limited to specific merchants, accounts, cards, or products. It gives customers the ability to pay later for nearly any purchase at any merchant from any card, dating as far back as up to a year ago.

Rise in Consumer Spending to Boost Market Growth

BNPL service providers stand to benefit from more opportunities for growth and then increase directly due to an increase in how consumers spend. Increased levels of consumer spending will amount to changes in consumer behavior and drive the market upwards. BNPL service providers will be driven to adapt to changes by creating better customer terms and user experiences with more features to attract and retain their customers. This encourages more innovation and improved customer experience. However, the expanding consumer base has attracted the attention of financial institutions, retailers, and e-commerce platforms. It has contributed to much more valuable partnership opportunities for BNPL service providers.

Financial institutions may partner with BNPL companies to offer their clientele more payment flexibility. Retailers or e-commerce stores can leverage BNPL at the point of checkout to drive higher sales and excellent customer shopping experiences on the platform. According to the U.S. Bank, consumer spending is the most significant driver of economic growth in the United States. Retail sales increased 2.4% over the three months ending in July 2023. Electronics and appliances showed the most significant gains, rising 5.2% since then, which is an indication that consumers are ready to shell out money for high-value products.

Dominance of Online Segment in the Market

The online sector held the dominating market share of the global buy now pay later market. Many companies across the globe are engaging in a collaboration with specialization in implementing multiple channels in online payment, such as BNPL in post-COVID recovery strategy. In May 2024, PPRO, the leading local payments platform, announced a new partnership with Buy Now, Pay Later provider, Afterpay. This will enable the United States, Europe, China, and Hong Kong-based e-commerce merchants and payment service providers to sell directly to the United States consumers using Afterpay.

The point-of-sale (POS) segment is expected to proliferate across the forecast period. The POS segment is growing due to its high level of integration into the shopping environment. As more shoppers continue to prefer both brick-and-mortar stores and e-commerce shopping, the availability of BNPL services at the point of sale becomes more accessible. With the POS, shoppers can make instant purchase decisions without requirements for pre-approval or credit checks, making the process fast and seamless.

North America Dominates BNPL Market Share

North America dominated the buy now pay later market share. Regional market growth can be attributed to the large number of significant players in the region. Moreover, many fintech companies in this region enter into partnerships and strategic collaborations. In 2023, the United States fintech Upgrade reached an agreement to buy BNPL vendor Uplift for USD 100 million in a mix of stocks and cash. The acquisition aligns with Upgrade's present strategy of making credit more widely accessible at the point of sale while allowing credit to be offered directly to consumers through cards and loans.

With its rapidly growing population and a large base of tech-savvy consumers who readily embrace digital payment solutions and e-commerce websites, Asia-Pacific shows many growth opportunities. BNPL services have been quickly adopted in countries such as China and India and in most Southeast Asian nations, where there has been extensive penetration of smartphones and internet connectivity, thus enabling this mode of online payment. It has been backed by the region's vibrant retail landscape, which is marked by well-established e-commerce giants and innovative start-ups. The retailers have been actively working with BNPL providers to give them flexible payment options, hence expanding their customer base and driving sales further.

Future Market Scenario (2024 - 2031F)

Increasing the real-time consumer base by adopting AI technology will boost the growth of the global market.

In November 2023, Amazon will roll out its first buy now, pay later checkout option and is looking to expand the e-commerce platform for companies through a partnership with Affirm. This checkout choice will be available for millions of small business owners who use its online store.

Launching products to meet consumer requirements will lead to growth in the BNPL market globally.

Key Players Landscape and Outlook

BNPL as a payment method is increasingly becoming popular among customers to make in-store and online payments. Given this, an increasing number of retailers focus on adopting BNPL solutions to allow customers to avail installment loans without interest, to create new growth opportunities for the BNPL solution providers. The prominent players are indulging in strategic collaborations, partnerships, and mergers and acquisitions to handle the highly competitive market.

In March 2023, Apple announced in Apple Pay Later scheme in the United States which helps users keep better financial health by empowering them to split purchases into four payments, spaced over six weeks, with no interest and no fees. Users can manage, track, and repay their Apple Pay Later loans at one convenient location in Apple Wallet. Users can apply for loans with Apple Pay Later in an amount ranging from USD 50 to USD 1,000 for transactions made on the internet and in apps with Apple Pay-accepting merchants on iPhone and iPad.

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

4.1. Product and Market Intelligence
4.2. Mode of Brand Awareness
4.3. Factors Considered in Purchase Decisions
- 4.3.1. Ease of use and accessibility
- 4.3.2. Interest rates and Fees
- 4.3.3. Payment Flexibility
- 4.3.4. Security
4.4. Customer support
4.5. Consideration of Privacy and Regulations

5. Global Buy Now Pay Later Market Outlook, 2017-2031F

5.1. Market Size Analysis & Forecast
- 5.1.1. By Value
5.2. Market Share Analysis & Forecast
- 5.2.1. By Channel
  - 5.2.1.1. Online
  - 5.2.1.2. POS
- 5.2.2. By Enterprise
  - 5.2.2.1. Large Enterprises
  - 5.2.2.2. Small and Medium Enterprises
- 5.2.3. By Demographic
  - 5.2.3.1. Under 18 years
  - 5.2.3.2. 18-40 years
  - 5.2.3.3. Above 40 years
- 5.2.4. By End-use
  - 5.2.4.1. BFSI
  - 5.2.4.2. Retail
  - 5.2.4.3. Healthcare
  - 5.2.4.4. Leisure and Entertainment
  - 5.2.4.5. Travel and Tourism
  - 5.2.4.6. Others
- 5.2.5. By Region
  - 5.2.5.1. North America
  - 5.2.5.2. Europe
  - 5.2.5.3. Asia-Pacific
  - 5.2.5.4. South America
  - 5.2.5.5. Middle East and Africa
- 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2023)
5.3. Market Map Analysis, 2023
- 5.3.1. By Channel
- 5.3.2. By Enterprise
- 5.3.3. By Demographic
- 5.3.4. By End-use
- 5.3.5. By Region

6. North America Buy Now Pay Later Market Outlook, 2017-2031F*

6.1. Market Size Analysis & Forecast
- 6.1.1. By Value
6.2. Market Share Analysis & Forecast
- 6.2.1. By Channel
  - 6.2.1.1. Online
  - 6.2.1.2. POS
- 6.2.2. By Enterprise
  - 6.2.2.1. Large Enterprises
  - 6.2.2.2. Small and Medium Enterprises
- 6.2.3. By Demographic
  - 6.2.3.1. Under 18 years
  - 6.2.3.2. 18-40 years
  - 6.2.3.3. Above 40 years
- 6.2.4. By End-use
  - 6.2.4.1. BFSI
  - 6.2.4.2. Retail
  - 6.2.4.3. Healthcare
  - 6.2.4.4. Leisure and Entertainment
  - 6.2.4.5. Travel and Tourism
  - 6.2.4.6. Others
- 6.2.5. By Country Share
  - 6.2.5.1. United States
  - 6.2.5.2. Canada
  - 6.2.5.3. Mexico
6.3. Country Market Assessment
- 6.3.1. United States Buy Now Pay Later Market Outlook, 2017-2031F*
  - 6.3.1.1. Market Size Analysis & Forecast
    - 6.3.1.1.1. By Value
  - 6.3.1.2. Market Share Analysis & Forecast
    - 6.3.1.2.1. By Channel
      - 6.3.1.2.1.1. Online
      - 6.3.1.2.1.2. POS
    - 6.3.1.2.2. By Enterprise
      - 6.3.1.2.2.1. Large Enterprises
      - 6.3.1.2.2.2. Small and Medium Enterprises
    - 6.3.1.2.3. By Demographic
      - 6.3.1.2.3.1. Under 18 years
      - 6.3.1.2.3.2. 18-40 years
      - 6.3.1.2.3.3. Above 40 years
    - 6.3.1.2.4. By End-use
      - 6.3.1.2.4.1. BFSI
      - 6.3.1.2.4.2. Retail
      - 6.3.1.2.4.3. Healthcare
      - 6.3.1.2.4.4. Leisure and Entertainment
      - 6.3.1.2.4.5. Travel and Tourism
      - 6.3.1.2.4.6. Others
- 6.3.2. Canada
- 6.3.3. Mexico

All segments will be provided for all regions and countries covered

7. Europe Buy Now Pay Later Market Outlook, 2017-2031F

7.1. Germany
7.2. France
7.3. Italy
7.4. United Kingdom
7.5. Russia
7.6. Netherlands
7.7. Spain
7.8. Turkey
7.9. Poland

8. Asia-Pacific Buy Now Pay Later Market Outlook, 2017-2031F

8.1. India
8.2. China
8.3. Japan
8.4. Australia
8.5. Vietnam
8.6. South Korea
8.7. Indonesia
8.8. Philippines

9. South America Buy Now Pay Later Market Outlook, 2017-2031F

9.1. Brazil
9.2. Argentina

10. Middle East and Africa Buy Now Pay Later Market Outlook, 2017-2031F

10.1. Saudi Arabia
10.2. UAE
10.3. South Africa

11. Demand Supply Analysis

12. Value Chain Analysis

13. Porter's Five Forces Analysis

14. PESTLE Analysis

15. Interest Rate Analysis

16. Market Dynamics

16.1. Market Drivers
16.2. Market Challenges

17. Market Trends and Developments

18. Case Studies

19. Competitive Landscape

19.1. Competition Matrix of Top 5 Market Leaders
19.2. SWOT Analysis for Top 5 Players
19.3. Key Players Landscape for Top 10 Market Players
- 19.3.1. Affirm Inc.
  - 19.3.1.1. Company Details
  - 19.3.1.2. Key Management Personnel
  - 19.3.1.3. Products and Services
  - 19.3.1.4. Financials (As Reported)
  - 19.3.1.5. Key Market Focus and Geographical Presence
  - 19.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
- 19.3.2. Block Inc. (Afterpay)
- 19.3.3. Klarna Bank AB
- 19.3.4. Sezzle Payments Private Limited
- 19.3.5. PayPal Holdings Inc.
- 19.3.6. Perpay Inc.
- 19.3.7. Openpay S.A.
- 19.3.8. Laybuy Group Holdings Limited
- 19.3.9. Splitit USA Inc.
- 19.3.10. Quadpay Inc.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

後払い決済（BNPL）の世界市場の評価：チャネル別、企業別、利用者層別、最終用途別、地域別、機会、予測（2017年～2031年）

Buy Now Pay Later Market Assessment, By Channel, By Enterprise, By Demographic, By End-use, By Region, Opportunities and Forecast, 2017-2031F

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

第5章 世界の後払い決済（BNPL）市場の見通し（2017年～2031年）

第6章 北米の後払い決済（BNPL）市場の見通し（2017年～2031年）

第7章 欧州の後払い決済（BNPL）市場の見通し（2017年～2031年）

第8章 アジア太平洋の後払い決済（BNPL）市場の見通し（2017年～2031年）

第9章 南米の後払い決済（BNPL）市場の見通し（2017年～2031年）

第10章 中東・アフリカの後払い決済（BNPL）市場の見通し（2017年～2031年）

第11章 需給分析

第12章 バリューチェーン分析

第13章 ポーターのファイブフォース分析